Sandhills State Bank (FDIC #13892): Bank Stress & Real-Estate Credit Exposure

Sandhills State Bank (FDIC Cert #13892): bank stress 64/100, elevated, STABLE over 7 days; parent SANDHILLS FINL SERVICES LLC.

Sandhills State Bank (#13892) lends in 10 counties across 1 state; Sandhills State Bank (#13892) reaches 63 ZIP codes: Nebraska 10 counties, 63 ZIPs.

Sandhills State Bank (#13892) largest markets: Cherry County, NE (19 branches, 19 ZIPs) (#13892), Lincoln County, NE (14 branches, 14 ZIPs) (#13892), Perkins County, NE (10 branches, 10 ZIPs) (#13892), Arthur County, NE (8 branches, 8 ZIPs) (#13892), Sioux County, NE (8 branches, 8 ZIPs) (#13892), Keith County, NE (7 branches, 7 ZIPs) (#13892).

Sandhills State Bank (#13892) reports $382.8 million in total assets; Sandhills State Bank (#13892) equity $33.9 million (8.9% of Sandhills State Bank (#13892) assets); Sandhills State Bank (#13892) domestic deposits $347.1 million; Sandhills State Bank (#13892) net income $2.9 million; Sandhills State Bank (#13892) return on assets 1.52%; Sandhills State Bank (#13892) return on equity 17.36%; Sandhills State Bank (#13892) net interest income $7.2 million; Sandhills State Bank (#13892) call report June 30, 2026.

Sandhills State Bank (#13892) noncurrent real-estate loans: none reported; Sandhills State Bank (#13892) net charge-offs on real estate 0.18%; Sandhills State Bank (#13892) residential charge-offs 0.78%.

Sandhills State Bank (#13892) net interest margin 4.02% against an eight-quarter Sandhills State Bank (#13892) average of 3.76% (Sandhills State Bank (#13892) compression -0.26 points); Sandhills State Bank (#13892) non-residential real estate 78.0% of equity; Sandhills State Bank (#13892) rate-exposure score 40/100, Sandhills State Bank (#13892) fixed-rate trap 40/100; Sandhills State Bank (#13892) risk type credit driven; Sandhills State Bank (#13892) rate regime rates elevated, Sandhills State Bank (#13892) snapshot October 20, 2026.

Sandhills State Bank (#13892) stress score moved from 62 on June 22, 2026 to 64.1 on October 20, 2026; Sandhills State Bank (#13892) ranged 62 to 64.1 over 117 snapshots.

Sandhills State Bank (#13892) alerts: 10 counties; top Sandhills State Bank (#13892) alert scores: Arthur County, NE 44 (moderate); Grant County, NE 44 (moderate); Alliance County, NE 22 (low); Bassett County, NE 22 (low); Harrison County, NE 22 (low).